Home > Gulfstream Business Bank > Income and Expense
Gulfstream Business Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $19,928,000 | 1,273 |
| Total interest expense | $2,052,000 | 1,662 |
| Net interest income | $17,876,000 | 1,233 |
| Provision for loan and lease losses | $152,000 | 3,255 |
| Total noninterest income | $2,042,000 | 2,141 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $989,000 | 1,375 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,053,000 | 2,316 |
| Total noninterest expense | $13,285,000 | 1,471 |
| Salaries and employee benefits | $8,894,000 | 1,218 |
| Premises and equipment expense | $1,044,000 | 2,162 |
| Additional noninterest expense | $3,347,000 | 1,893 |
| Pre-tax net operating income | $6,481,000 | 1,141 |
| Securities gains (losses) | $-53,000 | 6,458 |
| Applicable income taxes | $2,382,000 | 790 |
| Income before extraordinary items | $4,046,000 | 1,481 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,046,000 | 1,483 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $4,046,000 | 1,485 |
| Net charge-offs | $3,915,000 | 425 |
| Cash dividends | $8,050,000 | 381 |
| Sale, conversion, retirement of capital stock, net | $164,000 | 465 |
| Net operating income | $4,079,920 | 1,439 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $14,826,000 | 1,292 |
| Total interest expense | $1,551,000 | 1,689 |
| Net interest income | $13,275,000 | 1,240 |
| Provision for loan and lease losses | $1,011,000 | 871 |
| Total noninterest income | $1,686,000 | 2,041 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $742,000 | 1,381 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $944,000 | 2,129 |
| Total noninterest expense | $8,543,000 | 1,699 |
| Salaries and employee benefits | $5,172,000 | 1,508 |
| Premises and equipment expense | $800,000 | 2,146 |
| Additional noninterest expense | $2,571,000 | 1,843 |
| Pre-tax net operating income | $5,407,000 | 1,068 |
| Securities gains (losses) | $-50,000 | 6,653 |
| Applicable income taxes | $1,978,000 | 744 |
| Income before extraordinary items | $3,379,000 | 1,345 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $3,379,000 | 1,347 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $3,379,000 | 1,347 |
| Net charge-offs | $4,191,000 | 313 |
| Cash dividends | $400,000 | 2,325 |
| Sale, conversion, retirement of capital stock, net | $123,000 | 429 |
| Net operating income | $3,411,000 | 1,309 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $9,794,000 | 1,294 |
| Total interest expense | $1,035,000 | 1,728 |
| Net interest income | $8,759,000 | 1,244 |
| Provision for loan and lease losses | $1,048,000 | 660 |
| Total noninterest income | $1,173,000 | 2,004 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $501,000 | 1,336 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $672,000 | 2,078 |
| Total noninterest expense | $5,651,000 | 1,710 |
| Salaries and employee benefits | $3,492,000 | 1,493 |
| Premises and equipment expense | $534,000 | 2,148 |
| Additional noninterest expense | $1,625,000 | 1,926 |
| Pre-tax net operating income | $3,233,000 | 1,152 |
| Securities gains (losses) | $-12,000 | 6,677 |
| Applicable income taxes | $1,209,000 | 800 |
| Income before extraordinary items | $2,012,000 | 1,491 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,012,000 | 1,494 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $2,012,000 | 1,496 |
| Net charge-offs | $3,339,000 | 296 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 402 |
| Net operating income | $2,019,680 | 1,434 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $4,913,000 | 1,297 |
| Total interest expense | $519,000 | 1,772 |
| Net interest income | $4,394,000 | 1,238 |
| Provision for loan and lease losses | $875,000 | 459 |
| Total noninterest income | $598,000 | 1,957 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $246,000 | 1,355 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $352,000 | 2,002 |
| Total noninterest expense | $3,185,000 | 1,538 |
| Salaries and employee benefits | $1,859,000 | 1,431 |
| Premises and equipment expense | $265,000 | 2,204 |
| Additional noninterest expense | $1,061,000 | 1,531 |
| Pre-tax net operating income | $932,000 | 1,817 |
| Securities gains (losses) | $-12,000 | 6,823 |
| Applicable income taxes | $345,000 | 1,199 |
| Income before extraordinary items | $575,000 | 2,325 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $575,000 | 2,327 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $575,000 | 2,327 |
| Net charge-offs | $3,209,000 | 172 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 359 |
| Net operating income | $582,680 | 2,219 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $21,820,000 | 1,218 |
| Total interest expense | $2,999,000 | 1,480 |
| Net interest income | $18,821,000 | 1,173 |
| Provision for loan and lease losses | $1,284,000 | 1,478 |
| Total noninterest income | $1,773,000 | 2,377 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,011,000 | 1,404 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $762,000 | 2,760 |
| Total noninterest expense | $11,781,000 | 1,640 |
| Salaries and employee benefits | $6,584,000 | 1,538 |
| Premises and equipment expense | $1,035,000 | 2,219 |
| Additional noninterest expense | $4,162,000 | 1,622 |
| Pre-tax net operating income | $7,529,000 | 950 |
| Securities gains (losses) | $-1,072,000 | 7,041 |
| Applicable income taxes | $2,227,000 | 803 |
| Income before extraordinary items | $4,230,000 | 1,386 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,230,000 | 1,387 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $4,230,000 | 1,387 |
| Net charge-offs | $2,269,000 | 1,054 |
| Cash dividends | $450,000 | 2,898 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 457 |
| Net operating income | $4,937,520 | 1,136 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $16,622,000 | 1,226 |
| Total interest expense | $2,384,000 | 1,464 |
| Net interest income | $14,238,000 | 1,172 |
| Provision for loan and lease losses | $3,043,000 | 618 |
| Total noninterest income | $1,261,000 | 2,448 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $764,000 | 1,405 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $497,000 | 2,970 |
| Total noninterest expense | $8,733,000 | 1,660 |
| Salaries and employee benefits | $4,948,000 | 1,527 |
| Premises and equipment expense | $792,000 | 2,200 |
| Additional noninterest expense | $2,993,000 | 1,680 |
| Pre-tax net operating income | $3,723,000 | 1,416 |
| Securities gains (losses) | $-60,000 | 6,977 |
| Applicable income taxes | $1,247,000 | 1,036 |
| Income before extraordinary items | $2,416,000 | 1,802 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,416,000 | 1,801 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,416,000 | 1,803 |
| Net charge-offs | $1,732,000 | 1,010 |
| Cash dividends | $150,000 | 3,085 |
| Sale, conversion, retirement of capital stock, net | $133,000 | 416 |
| Net operating income | $2,455,600 | 1,679 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $11,200,000 | 1,221 |
| Total interest expense | $1,721,000 | 1,410 |
| Net interest income | $9,479,000 | 1,177 |
| Provision for loan and lease losses | $2,244,000 | 589 |
| Total noninterest income | $778,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $516,000 | 1,382 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $262,000 | 3,264 |
| Total noninterest expense | $5,919,000 | 1,638 |
| Salaries and employee benefits | $3,322,000 | 1,522 |
| Premises and equipment expense | $533,000 | 2,165 |
| Additional noninterest expense | $2,064,000 | 1,620 |
| Pre-tax net operating income | $2,094,000 | 1,631 |
| Securities gains (losses) | $-60,000 | 7,059 |
| Applicable income taxes | $738,000 | 1,129 |
| Income before extraordinary items | $1,296,000 | 2,137 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,296,000 | 2,136 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,296,000 | 2,137 |
| Net charge-offs | $371,000 | 2,090 |
| Cash dividends | $150,000 | 2,721 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 406 |
| Net operating income | $1,334,400 | 1,972 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $5,703,000 | 1,209 |
| Total interest expense | $965,000 | 1,314 |
| Net interest income | $4,738,000 | 1,175 |
| Provision for loan and lease losses | $1,229,000 | 530 |
| Total noninterest income | $635,000 | 1,834 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $256,000 | 1,376 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $379,000 | 1,822 |
| Total noninterest expense | $2,847,000 | 1,688 |
| Salaries and employee benefits | $1,683,000 | 1,512 |
| Premises and equipment expense | $265,000 | 2,178 |
| Additional noninterest expense | $899,000 | 1,843 |
| Pre-tax net operating income | $1,297,000 | 1,353 |
| Securities gains (losses) | $-60,000 | 7,175 |
| Applicable income taxes | $462,000 | 951 |
| Income before extraordinary items | $775,000 | 1,850 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $775,000 | 1,851 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $775,000 | 1,851 |
| Net charge-offs | $313,000 | 1,449 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 371 |
| Net operating income | $813,400 | 1,669 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $25,788,000 | 1,096 |
| Total interest expense | $5,257,000 | 1,142 |
| Net interest income | $20,531,000 | 1,082 |
| Provision for loan and lease losses | $5,320,000 | 748 |
| Total noninterest income | $1,620,000 | 2,334 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $994,000 | 1,486 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $626,000 | 2,795 |
| Total noninterest expense | $10,798,000 | 1,790 |
| Salaries and employee benefits | $5,951,000 | 1,645 |
| Premises and equipment expense | $1,097,000 | 2,210 |
| Additional noninterest expense | $3,750,000 | 1,803 |
| Pre-tax net operating income | $6,033,000 | 996 |
| Securities gains (losses) | $-195,000 | 7,159 |
| Applicable income taxes | $2,183,000 | 729 |
| Income before extraordinary items | $3,655,000 | 1,349 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,655,000 | 1,349 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,655,000 | 1,349 |
| Net charge-offs | $9,920,000 | 458 |
| Cash dividends | $1,025,000 | 1,586 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 579 |
| Net operating income | $3,779,800 | 1,242 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $19,682,000 | 1,095 |
| Total interest expense | $4,106,000 | 1,148 |
| Net interest income | $15,576,000 | 1,080 |
| Provision for loan and lease losses | $4,350,000 | 695 |
| Total noninterest income | $1,205,000 | 2,323 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $751,000 | 1,484 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $454,000 | 2,839 |
| Total noninterest expense | $8,153,000 | 1,779 |
| Salaries and employee benefits | $4,467,000 | 1,645 |
| Premises and equipment expense | $848,000 | 2,181 |
| Additional noninterest expense | $2,838,000 | 1,789 |
| Pre-tax net operating income | $4,278,000 | 1,080 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $1,599,000 | 751 |
| Income before extraordinary items | $2,679,000 | 1,418 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,679,000 | 1,418 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,679,000 | 1,418 |
| Net charge-offs | $7,167,000 | 465 |
| Cash dividends | $1,025,000 | 1,132 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 541 |
| Net operating income | $2,679,000 | 1,351 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $13,427,000 | 1,072 |
| Total interest expense | $2,866,000 | 1,135 |
| Net interest income | $10,561,000 | 1,051 |
| Provision for loan and lease losses | $2,927,000 | 701 |
| Total noninterest income | $818,000 | 2,295 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $492,000 | 1,489 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $326,000 | 2,754 |
| Total noninterest expense | $5,571,000 | 1,750 |
| Salaries and employee benefits | $3,013,000 | 1,639 |
| Premises and equipment expense | $577,000 | 2,172 |
| Additional noninterest expense | $1,981,000 | 1,730 |
| Pre-tax net operating income | $2,881,000 | 1,050 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,076,000 | 716 |
| Income before extraordinary items | $1,805,000 | 1,377 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,805,000 | 1,377 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,805,000 | 1,377 |
| Net charge-offs | $5,121,000 | 453 |
| Cash dividends | $650,000 | 1,164 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 474 |
| Net operating income | $1,805,000 | 1,318 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $6,828,000 | 1,061 |
| Total interest expense | $1,462,000 | 1,151 |
| Net interest income | $5,366,000 | 1,025 |
| Provision for loan and lease losses | $1,485,000 | 658 |
| Total noninterest income | $369,000 | 2,478 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $243,000 | 1,472 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $126,000 | 3,187 |
| Total noninterest expense | $2,601,000 | 1,882 |
| Salaries and employee benefits | $1,498,000 | 1,659 |
| Premises and equipment expense | $287,000 | 2,219 |
| Additional noninterest expense | $816,000 | 2,066 |
| Pre-tax net operating income | $1,649,000 | 924 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $616,000 | 622 |
| Income before extraordinary items | $1,033,000 | 1,187 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,033,000 | 1,187 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,033,000 | 1,187 |
| Net charge-offs | $3,734,000 | 339 |
| Cash dividends | $300,000 | 1,106 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 435 |
| Net operating income | $1,033,000 | 1,154 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $28,567,000 | 1,080 |
| Total interest expense | $7,353,000 | 1,121 |
| Net interest income | $21,214,000 | 1,039 |
| Provision for loan and lease losses | $8,785,000 | 745 |
| Total noninterest income | $1,747,000 | 2,283 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $976,000 | 1,534 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $771,000 | 2,548 |
| Total noninterest expense | $11,553,000 | 1,704 |
| Salaries and employee benefits | $5,794,000 | 1,679 |
| Premises and equipment expense | $1,179,000 | 2,134 |
| Additional noninterest expense | $4,580,000 | 1,572 |
| Pre-tax net operating income | $2,623,000 | 1,825 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $932,000 | 1,297 |
| Income before extraordinary items | $1,691,000 | 2,306 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,691,000 | 2,304 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,691,000 | 2,307 |
| Net charge-offs | $2,726,000 | 1,552 |
| Cash dividends | $1,175,000 | 1,320 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 742 |
| Net operating income | $1,691,000 | 2,209 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $21,546,000 | 1,091 |
| Total interest expense | $5,715,000 | 1,125 |
| Net interest income | $15,831,000 | 1,051 |
| Provision for loan and lease losses | $6,736,000 | 695 |
| Total noninterest income | $1,463,000 | 2,124 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $715,000 | 1,608 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $748,000 | 2,164 |
| Total noninterest expense | $8,798,000 | 1,675 |
| Salaries and employee benefits | $4,343,000 | 1,687 |
| Premises and equipment expense | $903,000 | 2,121 |
| Additional noninterest expense | $3,552,000 | 1,496 |
| Pre-tax net operating income | $1,760,000 | 2,099 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $613,000 | 1,451 |
| Income before extraordinary items | $1,147,000 | 2,638 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,147,000 | 2,636 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,147,000 | 2,640 |
| Net charge-offs | $2,437,000 | 1,331 |
| Cash dividends | $1,175,000 | 917 |
| Sale, conversion, retirement of capital stock, net | $94,000 | 674 |
| Net operating income | $1,147,000 | 2,509 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $14,332,000 | 1,105 |
| Total interest expense | $3,911,000 | 1,146 |
| Net interest income | $10,421,000 | 1,070 |
| Provision for loan and lease losses | $4,303,000 | 723 |
| Total noninterest income | $1,098,000 | 1,911 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $465,000 | 1,651 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $633,000 | 1,793 |
| Total noninterest expense | $5,843,000 | 1,683 |
| Salaries and employee benefits | $2,935,000 | 1,686 |
| Premises and equipment expense | $607,000 | 2,133 |
| Additional noninterest expense | $2,301,000 | 1,545 |
| Pre-tax net operating income | $1,373,000 | 1,844 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $506,000 | 1,207 |
| Income before extraordinary items | $867,000 | 2,360 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $867,000 | 2,355 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $867,000 | 2,358 |
| Net charge-offs | $2,483,000 | 957 |
| Cash dividends | $600,000 | 1,128 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 590 |
| Net operating income | $867,000 | 2,266 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,183,000 | 1,123 |
| Total interest expense | $1,984,000 | 1,191 |
| Net interest income | $5,199,000 | 1,079 |
| Provision for loan and lease losses | $2,135,000 | 714 |
| Total noninterest income | $703,000 | 1,595 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $233,000 | 1,643 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $470,000 | 1,361 |
| Total noninterest expense | $2,999,000 | 1,668 |
| Salaries and employee benefits | $1,478,000 | 1,692 |
| Premises and equipment expense | $300,000 | 2,198 |
| Additional noninterest expense | $1,221,000 | 1,448 |
| Pre-tax net operating income | $768,000 | 1,685 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $283,000 | 1,097 |
| Income before extraordinary items | $485,000 | 2,200 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $485,000 | 2,199 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $485,000 | 2,200 |
| Net charge-offs | $274,000 | 2,117 |
| Cash dividends | $600,000 | 554 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 534 |
| Net operating income | $485,000 | 2,109 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $30,417,000 | 1,123 |
| Total interest expense | $10,767,000 | 1,097 |
| Net interest income | $19,650,000 | 1,118 |
| Provision for loan and lease losses | $14,600,000 | 625 |
| Total noninterest income | $1,732,000 | 2,340 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $967,000 | 1,738 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $765,000 | 2,530 |
| Total noninterest expense | $12,181,000 | 1,676 |
| Salaries and employee benefits | $5,601,000 | 1,766 |
| Premises and equipment expense | $1,321,000 | 2,021 |
| Additional noninterest expense | $5,259,000 | 1,414 |
| Pre-tax net operating income | $-5,399,000 | 7,212 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-2,093,000 | 7,529 |
| Income before extraordinary items | $-3,306,000 | 7,052 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,306,000 | 7,050 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,306,000 | 7,050 |
| Net charge-offs | $5,598,000 | 1,052 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $11,435,000 | 82 |
| Net operating income | $-3,306,000 | 7,044 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $22,925,000 | 1,138 |
| Total interest expense | $8,409,000 | 1,108 |
| Net interest income | $14,516,000 | 1,137 |
| Provision for loan and lease losses | $8,225,000 | 733 |
| Total noninterest income | $1,264,000 | 2,425 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $700,000 | 1,790 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $564,000 | 2,613 |
| Total noninterest expense | $8,586,000 | 1,762 |
| Salaries and employee benefits | $4,407,000 | 1,708 |
| Premises and equipment expense | $1,046,000 | 1,949 |
| Additional noninterest expense | $3,133,000 | 1,715 |
| Pre-tax net operating income | $-1,031,000 | 6,667 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-443,000 | 7,312 |
| Income before extraordinary items | $-588,000 | 6,497 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-588,000 | 6,498 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-588,000 | 6,497 |
| Net charge-offs | $2,167,000 | 1,433 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $11,403,000 | 65 |
| Net operating income | $-588,000 | 6,487 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $15,553,000 | 1,152 |
| Total interest expense | $5,736,000 | 1,154 |
| Net interest income | $9,817,000 | 1,131 |
| Provision for loan and lease losses | $2,050,000 | 1,372 |
| Total noninterest income | $851,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $469,000 | 1,767 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $382,000 | 2,620 |
| Total noninterest expense | $5,661,000 | 1,813 |
| Salaries and employee benefits | $2,973,000 | 1,720 |
| Premises and equipment expense | $672,000 | 2,036 |
| Additional noninterest expense | $2,016,000 | 1,803 |
| Pre-tax net operating income | $2,957,000 | 790 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $1,102,000 | 559 |
| Income before extraordinary items | $1,855,000 | 1,026 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,855,000 | 1,025 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,855,000 | 1,026 |
| Net charge-offs | $283,000 | 3,005 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $11,370,000 | 48 |
| Net operating income | $1,855,000 | 995 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,839,000 | 1,154 |
| Total interest expense | $2,995,000 | 1,141 |
| Net interest income | $4,844,000 | 1,135 |
| Provision for loan and lease losses | $500,000 | 1,760 |
| Total noninterest income | $423,000 | 2,402 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $228,000 | 1,768 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $195,000 | 2,552 |
| Total noninterest expense | $2,638,000 | 1,885 |
| Salaries and employee benefits | $1,470,000 | 1,770 |
| Premises and equipment expense | $344,000 | 2,032 |
| Additional noninterest expense | $824,000 | 1,941 |
| Pre-tax net operating income | $2,129,000 | 570 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $795,000 | 427 |
| Income before extraordinary items | $1,334,000 | 768 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,334,000 | 768 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,334,000 | 770 |
| Net charge-offs | $4,000 | 5,207 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $3,690,000 | 80 |
| Net operating income | $1,334,000 | 717 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $33,629,000 | 1,138 |
| Total interest expense | $15,133,000 | 1,068 |
| Net interest income | $18,496,000 | 1,206 |
| Provision for loan and lease losses | $1,787,000 | 1,933 |
| Total noninterest income | $1,781,000 | 2,322 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $797,000 | 2,133 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $984,000 | 2,140 |
| Total noninterest expense | $9,547,000 | 2,023 |
| Salaries and employee benefits | $5,610,000 | 1,816 |
| Premises and equipment expense | $1,201,000 | 2,244 |
| Additional noninterest expense | $2,736,000 | 2,186 |
| Pre-tax net operating income | $8,943,000 | 620 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $3,297,000 | 434 |
| Income before extraordinary items | $5,646,000 | 717 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,646,000 | 717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,546,000 | 1,520 |
| Cash dividends | $500,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 1,022 |
| Net operating income | $5,646,000 | 772 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $25,250,000 | 1,162 |
| Total interest expense | $11,643,000 | 1,079 |
| Net interest income | $13,607,000 | 1,242 |
| Provision for loan and lease losses | $1,037,000 | 1,785 |
| Total noninterest income | $1,228,000 | 2,534 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $563,000 | 2,242 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $665,000 | 2,391 |
| Total noninterest expense | $7,324,000 | 1,966 |
| Salaries and employee benefits | $4,338,000 | 1,789 |
| Premises and equipment expense | $917,000 | 2,206 |
| Additional noninterest expense | $2,069,000 | 2,097 |
| Pre-tax net operating income | $6,474,000 | 781 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $2,374,000 | 563 |
| Income before extraordinary items | $4,100,000 | 891 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $4,100,000 | 890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $669,000 | 1,644 |
| Cash dividends | $500,000 | 2,719 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 940 |
| Net operating income | $4,100,000 | 954 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $16,800,000 | 1,178 |
| Total interest expense | $7,974,000 | 1,094 |
| Net interest income | $8,826,000 | 1,267 |
| Provision for loan and lease losses | $425,000 | 2,083 |
| Total noninterest income | $824,000 | 2,571 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $233,000 | 3,161 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $591,000 | 2,015 |
| Total noninterest expense | $4,827,000 | 1,985 |
| Salaries and employee benefits | $2,900,000 | 1,795 |
| Premises and equipment expense | $617,000 | 2,190 |
| Additional noninterest expense | $1,310,000 | 2,161 |
| Pre-tax net operating income | $4,398,000 | 807 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,640,000 | 608 |
| Income before extraordinary items | $2,758,000 | 991 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,758,000 | 991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,708 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 859 |
| Net operating income | $2,758,000 | 975 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,473,000 | 1,200 |
| Total interest expense | $4,200,000 | 1,115 |
| Net interest income | $4,273,000 | 1,299 |
| Provision for loan and lease losses | $150,000 | 2,123 |
| Total noninterest income | $435,000 | 2,454 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $115,000 | 3,148 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $320,000 | 1,892 |
| Total noninterest expense | $2,464,000 | 1,941 |
| Salaries and employee benefits | $1,469,000 | 1,792 |
| Premises and equipment expense | $312,000 | 2,182 |
| Additional noninterest expense | $683,000 | 2,053 |
| Pre-tax net operating income | $2,094,000 | 896 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $781,000 | 705 |
| Income before extraordinary items | $1,313,000 | 1,149 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,313,000 | 1,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 740 |
| Net operating income | $1,313,000 | 1,112 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $33,978,000 | 1,243 |
| Total interest expense | $16,963,000 | 1,168 |
| Net interest income | $17,015,000 | 1,315 |
| Provision for loan and lease losses | $820,000 | 1,646 |
| Total noninterest income | $1,794,000 | 2,392 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $499,000 | 3,056 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,295,000 | 1,859 |
| Total noninterest expense | $9,205,000 | 2,002 |
| Salaries and employee benefits | $5,453,000 | 1,847 |
| Premises and equipment expense | $1,233,000 | 2,110 |
| Additional noninterest expense | $2,519,000 | 2,168 |
| Pre-tax net operating income | $8,784,000 | 968 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,244,000 | 751 |
| Income before extraordinary items | $5,540,000 | 1,162 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,540,000 | 1,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,321 |
| Cash dividends | $500,000 | 3,679 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 1,045 |
| Net operating income | $5,540,000 | 1,152 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $25,139,000 | 1,260 |
| Total interest expense | $12,428,000 | 1,198 |
| Net interest income | $12,711,000 | 1,324 |
| Provision for loan and lease losses | $270,000 | 2,452 |
| Total noninterest income | $1,379,000 | 2,346 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $367,000 | 3,084 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,012,000 | 1,821 |
| Total noninterest expense | $6,921,000 | 1,985 |
| Salaries and employee benefits | $4,210,000 | 1,796 |
| Premises and equipment expense | $898,000 | 2,149 |
| Additional noninterest expense | $1,813,000 | 2,199 |
| Pre-tax net operating income | $6,899,000 | 1,000 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,575,000 | 780 |
| Income before extraordinary items | $4,324,000 | 1,194 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,324,000 | 1,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,809 |
| Cash dividends | $500,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,002 |
| Net operating income | $4,324,000 | 1,177 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,388,000 | 1,301 |
| Total interest expense | $7,995,000 | 1,247 |
| Net interest income | $8,393,000 | 1,354 |
| Provision for loan and lease losses | $230,000 | 1,959 |
| Total noninterest income | $946,000 | 2,324 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $242,000 | 3,094 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $704,000 | 1,765 |
| Total noninterest expense | $4,553,000 | 2,030 |
| Salaries and employee benefits | $2,779,000 | 1,855 |
| Premises and equipment expense | $582,000 | 2,217 |
| Additional noninterest expense | $1,192,000 | 2,225 |
| Pre-tax net operating income | $4,556,000 | 1,051 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,701,000 | 830 |
| Income before extraordinary items | $2,855,000 | 1,249 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,855,000 | 1,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 926 |
| Net operating income | $2,855,000 | 1,229 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,862,000 | 1,359 |
| Total interest expense | $3,870,000 | 1,282 |
| Net interest income | $3,992,000 | 1,432 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $446,000 | 2,374 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $133,000 | 2,858 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $313,000 | 1,893 |
| Total noninterest expense | $2,186,000 | 2,113 |
| Salaries and employee benefits | $1,317,000 | 1,950 |
| Premises and equipment expense | $275,000 | 2,375 |
| Additional noninterest expense | $594,000 | 2,210 |
| Pre-tax net operating income | $2,102,000 | 1,110 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $784,000 | 885 |
| Income before extraordinary items | $1,318,000 | 1,327 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,318,000 | 1,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 779 |
| Net operating income | $1,318,000 | 1,321 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $27,250,000 | 1,463 |
| Total interest expense | $12,207,000 | 1,373 |
| Net interest income | $15,043,000 | 1,518 |
| Provision for loan and lease losses | $1,125,000 | 935 |
| Total noninterest income | $1,839,000 | 2,357 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $443,000 | 3,326 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,396,000 | 1,755 |
| Total noninterest expense | $7,989,000 | 2,212 |
| Salaries and employee benefits | $4,809,000 | 2,031 |
| Premises and equipment expense | $1,006,000 | 2,460 |
| Additional noninterest expense | $2,174,000 | 2,382 |
| Pre-tax net operating income | $7,768,000 | 1,255 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,892,000 | 973 |
| Income before extraordinary items | $4,876,000 | 1,489 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,876,000 | 1,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $500,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,876,000 | 1,477 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,571,000 | 1,520 |
| Total interest expense | $8,327,000 | 1,470 |
| Net interest income | $11,244,000 | 1,539 |
| Provision for loan and lease losses | $938,000 | 800 |
| Total noninterest income | $1,377,000 | 2,369 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $321,000 | 3,419 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,056,000 | 1,750 |
| Total noninterest expense | $6,078,000 | 2,176 |
| Salaries and employee benefits | $3,700,000 | 1,964 |
| Premises and equipment expense | $423,000 | 3,957 |
| Additional noninterest expense | $1,955,000 | 2,000 |
| Pre-tax net operating income | $5,605,000 | 1,365 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,081,000 | 1,068 |
| Income before extraordinary items | $3,524,000 | 1,572 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,524,000 | 1,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $500,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,524,000 | 1,553 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,343,000 | 1,573 |
| Total interest expense | $4,990,000 | 1,555 |
| Net interest income | $7,353,000 | 1,572 |
| Provision for loan and lease losses | $625,000 | 786 |
| Total noninterest income | $882,000 | 2,431 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $192,000 | 3,637 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $690,000 | 1,782 |
| Total noninterest expense | $4,070,000 | 2,173 |
| Salaries and employee benefits | $2,510,000 | 1,941 |
| Premises and equipment expense | $467,000 | 2,628 |
| Additional noninterest expense | $1,093,000 | 2,365 |
| Pre-tax net operating income | $3,540,000 | 1,427 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,315,000 | 1,114 |
| Income before extraordinary items | $2,225,000 | 1,638 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,225,000 | 1,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,225,000 | 1,624 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,957,000 | 1,589 |
| Total interest expense | $2,356,000 | 1,555 |
| Net interest income | $3,601,000 | 1,594 |
| Provision for loan and lease losses | $375,000 | 640 |
| Total noninterest income | $420,000 | 2,479 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $91,000 | 3,680 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $329,000 | 1,804 |
| Total noninterest expense | $1,992,000 | 2,229 |
| Salaries and employee benefits | $1,209,000 | 2,036 |
| Premises and equipment expense | $227,000 | 2,699 |
| Additional noninterest expense | $556,000 | 2,301 |
| Pre-tax net operating income | $1,654,000 | 1,497 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $613,000 | 1,174 |
| Income before extraordinary items | $1,041,000 | 1,719 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,041,000 | 1,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,041,000 | 1,707 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,289,000 | 1,730 |
| Total interest expense | $6,127,000 | 1,855 |
| Net interest income | $13,162,000 | 1,664 |
| Provision for loan and lease losses | $1,223,000 | 858 |
| Total noninterest income | $1,796,000 | 2,377 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $316,000 | 4,060 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,480,000 | 1,681 |
| Total noninterest expense | $6,974,000 | 2,402 |
| Salaries and employee benefits | $4,175,000 | 2,197 |
| Premises and equipment expense | $788,000 | 2,931 |
| Additional noninterest expense | $2,011,000 | 2,478 |
| Pre-tax net operating income | $6,761,000 | 1,417 |
| Securities gains (losses) | $-178,000 | 8,560 |
| Applicable income taxes | $2,436,000 | 1,158 |
| Income before extraordinary items | $4,147,000 | 1,696 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,147,000 | 1,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 8,546 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,260,920 | 1,624 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,846,000 | 1,776 |
| Total interest expense | $4,165,000 | 1,919 |
| Net interest income | $9,681,000 | 1,676 |
| Provision for loan and lease losses | $876,000 | 862 |
| Total noninterest income | $1,381,000 | 2,351 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $218,000 | 4,276 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,163,000 | 1,625 |
| Total noninterest expense | $5,162,000 | 2,403 |
| Salaries and employee benefits | $3,086,000 | 2,204 |
| Premises and equipment expense | $576,000 | 2,987 |
| Additional noninterest expense | $1,500,000 | 2,454 |
| Pre-tax net operating income | $5,024,000 | 1,426 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,859,000 | 1,147 |
| Income before extraordinary items | $3,165,000 | 1,665 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,165,000 | 1,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,839 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,165,000 | 1,631 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,658,000 | 1,844 |
| Total interest expense | $2,497,000 | 1,991 |
| Net interest income | $6,161,000 | 1,742 |
| Provision for loan and lease losses | $624,000 | 797 |
| Total noninterest income | $972,000 | 2,224 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $134,000 | 4,409 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $838,000 | 1,526 |
| Total noninterest expense | $3,295,000 | 2,475 |
| Salaries and employee benefits | $1,975,000 | 2,283 |
| Premises and equipment expense | $348,000 | 3,213 |
| Additional noninterest expense | $972,000 | 2,508 |
| Pre-tax net operating income | $3,214,000 | 1,452 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,189,000 | 1,182 |
| Income before extraordinary items | $2,025,000 | 1,688 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,025,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,519 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,025,000 | 1,662 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,019,000 | 1,927 |
| Total interest expense | $1,094,000 | 2,143 |
| Net interest income | $2,925,000 | 1,821 |
| Provision for loan and lease losses | $252,000 | 913 |
| Total noninterest income | $366,000 | 2,650 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $56,000 | 4,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $310,000 | 1,866 |
| Total noninterest expense | $1,568,000 | 2,602 |
| Salaries and employee benefits | $937,000 | 2,414 |
| Premises and equipment expense | $152,000 | 3,614 |
| Additional noninterest expense | $479,000 | 2,538 |
| Pre-tax net operating income | $1,471,000 | 1,541 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $543,000 | 1,253 |
| Income before extraordinary items | $928,000 | 1,823 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $928,000 | 1,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $928,000 | 1,781 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,448,000 | 2,315 |
| Total interest expense | $3,244,000 | 2,448 |
| Net interest income | $9,204,000 | 2,222 |
| Provision for loan and lease losses | $795,000 | 1,298 |
| Total noninterest income | $993,000 | 3,575 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $245,000 | 4,784 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $748,000 | 2,609 |
| Total noninterest expense | $5,265,000 | 2,967 |
| Salaries and employee benefits | $3,158,000 | 2,715 |
| Premises and equipment expense | $632,000 | 3,388 |
| Additional noninterest expense | $1,475,000 | 3,169 |
| Pre-tax net operating income | $4,137,000 | 2,002 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,519,000 | 1,589 |
| Income before extraordinary items | $2,618,000 | 2,327 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,618,000 | 2,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,343 |
| Cash dividends | $200,000 | 4,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,618,000 | 2,278 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,843,000 | 2,403 |
| Total interest expense | $2,303,000 | 2,540 |
| Net interest income | $6,540,000 | 2,307 |
| Provision for loan and lease losses | $585,000 | 1,260 |
| Total noninterest income | $720,000 | 3,663 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $195,000 | 4,696 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $525,000 | 2,717 |
| Total noninterest expense | $3,844,000 | 3,009 |
| Salaries and employee benefits | $2,307,000 | 2,762 |
| Premises and equipment expense | $477,000 | 3,385 |
| Additional noninterest expense | $1,060,000 | 3,251 |
| Pre-tax net operating income | $2,831,000 | 2,168 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,041,000 | 1,716 |
| Income before extraordinary items | $1,790,000 | 2,575 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,790,000 | 2,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,790,000 | 2,497 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,619,000 | 2,488 |
| Total interest expense | $1,462,000 | 2,628 |
| Net interest income | $4,157,000 | 2,399 |
| Provision for loan and lease losses | $360,000 | 1,336 |
| Total noninterest income | $418,000 | 3,998 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $126,000 | 4,757 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $292,000 | 3,038 |
| Total noninterest expense | $2,469,000 | 3,142 |
| Salaries and employee benefits | $1,474,000 | 2,879 |
| Premises and equipment expense | $317,000 | 3,398 |
| Additional noninterest expense | $678,000 | 3,385 |
| Pre-tax net operating income | $1,746,000 | 2,291 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $643,000 | 1,830 |
| Income before extraordinary items | $1,103,000 | 2,707 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,103,000 | 2,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,103,000 | 2,632 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,721,000 | 2,567 |
| Total interest expense | $737,000 | 2,642 |
| Net interest income | $1,984,000 | 2,515 |
| Provision for loan and lease losses | $180,000 | 1,248 |
| Total noninterest income | $187,000 | 4,209 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $63,000 | 4,680 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $124,000 | 3,282 |
| Total noninterest expense | $1,215,000 | 3,192 |
| Salaries and employee benefits | $720,000 | 2,954 |
| Premises and equipment expense | $161,000 | 3,395 |
| Additional noninterest expense | $334,000 | 3,426 |
| Pre-tax net operating income | $776,000 | 2,483 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $284,000 | 2,010 |
| Income before extraordinary items | $492,000 | 2,979 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $492,000 | 2,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $492,000 | 2,875 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,552,000 | 2,962 |
| Total interest expense | $2,789,000 | 3,057 |
| Net interest income | $6,763,000 | 2,838 |
| Provision for loan and lease losses | $730,000 | 1,573 |
| Total noninterest income | $933,000 | 3,866 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $229,000 | 4,959 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $704,000 | 2,964 |
| Total noninterest expense | $4,530,000 | 3,328 |
| Salaries and employee benefits | $2,739,000 | 3,012 |
| Premises and equipment expense | $575,000 | 3,648 |
| Additional noninterest expense | $1,216,000 | 3,689 |
| Pre-tax net operating income | $2,436,000 | 2,947 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $851,000 | 2,423 |
| Income before extraordinary items | $1,585,000 | 3,433 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,585,000 | 3,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 2,179 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,585,000 | 3,258 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,938,000 | 3,081 |
| Total interest expense | $2,102,000 | 3,148 |
| Net interest income | $4,836,000 | 2,997 |
| Provision for loan and lease losses | $550,000 | 1,522 |
| Total noninterest income | $725,000 | 3,851 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $174,000 | 4,953 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $551,000 | 2,962 |
| Total noninterest expense | $3,327,000 | 3,379 |
| Salaries and employee benefits | $2,007,000 | 3,081 |
| Premises and equipment expense | $422,000 | 3,694 |
| Additional noninterest expense | $898,000 | 3,718 |
| Pre-tax net operating income | $1,684,000 | 3,234 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $592,000 | 2,697 |
| Income before extraordinary items | $1,092,000 | 3,767 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,092,000 | 3,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 1,638 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,092,000 | 3,594 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,533,000 | 3,148 |
| Total interest expense | $1,432,000 | 3,189 |
| Net interest income | $3,101,000 | 3,094 |
| Provision for loan and lease losses | $360,000 | 1,536 |
| Total noninterest income | $480,000 | 3,830 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $123,000 | 4,793 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $357,000 | 2,981 |
| Total noninterest expense | $2,164,000 | 3,449 |
| Salaries and employee benefits | $1,297,000 | 3,150 |
| Premises and equipment expense | $264,000 | 3,865 |
| Additional noninterest expense | $603,000 | 3,686 |
| Pre-tax net operating income | $1,057,000 | 3,386 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $391,000 | 2,732 |
| Income before extraordinary items | $666,000 | 4,006 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $666,000 | 4,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,344 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $666,000 | 3,830 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,204,000 | 3,242 |
| Total interest expense | $721,000 | 3,232 |
| Net interest income | $1,483,000 | 3,198 |
| Provision for loan and lease losses | $180,000 | 1,475 |
| Total noninterest income | $259,000 | 3,558 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $71,000 | 4,347 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $188,000 | 2,829 |
| Total noninterest expense | $1,024,000 | 3,581 |
| Salaries and employee benefits | $607,000 | 3,327 |
| Premises and equipment expense | $126,000 | 4,003 |
| Additional noninterest expense | $291,000 | 3,742 |
| Pre-tax net operating income | $538,000 | 3,336 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $203,000 | 2,671 |
| Income before extraordinary items | $335,000 | 3,929 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $335,000 | 3,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,979 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $335,000 | 3,751 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,905,000 | 3,675 |
| Total interest expense | $2,659,000 | 3,904 |
| Net interest income | $5,246,000 | 3,512 |
| Provision for loan and lease losses | $655,000 | 1,924 |
| Total noninterest income | $490,000 | 5,276 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $169,000 | 5,609 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $321,000 | 4,108 |
| Total noninterest expense | $3,106,000 | 4,345 |
| Salaries and employee benefits | $1,830,000 | 4,031 |
| Premises and equipment expense | $369,000 | 4,926 |
| Additional noninterest expense | $907,000 | 4,517 |
| Pre-tax net operating income | $1,975,000 | 3,464 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $746,000 | 2,721 |
| Income before extraordinary items | $1,229,000 | 4,014 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,229,000 | 4,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,606 |
| Cash dividends | $50,000 | 5,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,229,000 | 3,910 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,509,000 | 4,667 |
| Total interest expense | $2,802,000 | 4,990 |
| Net interest income | $3,707,000 | 4,379 |
| Provision for loan and lease losses | $600,000 | 1,892 |
| Total noninterest income | $177,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $129,000 | 6,100 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $48,000 | 7,736 |
| Total noninterest expense | $2,507,000 | 4,933 |
| Salaries and employee benefits | $1,440,000 | 4,656 |
| Premises and equipment expense | $342,000 | 5,109 |
| Additional noninterest expense | $725,000 | 5,151 |
| Pre-tax net operating income | $777,000 | 5,566 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $298,000 | 4,285 |
| Income before extraordinary items | $479,000 | 6,182 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $479,000 | 6,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,980 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $479,000 | 6,052 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,002,000 | 6,489 |
| Total interest expense | $1,848,000 | 6,514 |
| Net interest income | $2,154,000 | 6,341 |
| Provision for loan and lease losses | $481,000 | 1,932 |
| Total noninterest income | $92,000 | 8,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,329 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 8,576 |
| Total noninterest expense | $2,059,000 | 5,568 |
| Salaries and employee benefits | $1,087,000 | 5,601 |
| Premises and equipment expense | $287,000 | 5,563 |
| Additional noninterest expense | $685,000 | 5,259 |
| Pre-tax net operating income | $-294,000 | 9,410 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-105,000 | 9,587 |
| Income before extraordinary items | $-189,000 | 9,367 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-189,000 | 9,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-189,000 | 9,364 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $950,000 | 9,655 |
| Total interest expense | $303,000 | 9,793 |
| Net interest income | $647,000 | 9,407 |
| Provision for loan and lease losses | $259,000 | 2,989 |
| Total noninterest income | $11,000 | 10,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,002 |
| Total noninterest expense | $1,395,000 | 7,051 |
| Salaries and employee benefits | $659,000 | 7,440 |
| Premises and equipment expense | $190,000 | 6,970 |
| Additional noninterest expense | $546,000 | 6,177 |
| Pre-tax net operating income | $-996,000 | 10,056 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-348,000 | 10,108 |
| Income before extraordinary items | $-648,000 | 9,981 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-648,000 | 9,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $11,392,000 | 60 |
| Net operating income | $-648,000 | 9,965 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.